Congenital Defects - Global Medical Health Insurance

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Congenital Defects – What are they and will the maternity cover on my global medical health insurance policy cover them?

In simple terms, congenital birth defects are problems that a baby is born with. They can be covered by a global medical health insurance plan with maternity benefits, but may be subject to a waiting period.

The estimated incidences for the leading categories of congenital defects are provided below, but not all will be covered by all international maternity insurance plans.

Congenital birth defects are grouped into three major categories:

structural/metabolic
congenital infections; and
other conditions.

Birth defects of the heart and circulatory system affect more infants than any other type of birth defect. Of all infants born each year, approximately 1 in 115 has heart and/or circulatory defects. It is therefore vitally important to know what is and what isn’t covered by the maternity benefits on your global medical health insurance.